Car Insurance Requirements in Oklahoma (2025)
Oklahoma drivers must carry $25,000 in bodily injury liability per person and $50,000 per accident, as well as $25,000 in property damage liability.
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If you live in the Sooner State, you must purchase both bodily injury liability and property damage liability coverage to drive legally. The minimum liability limits amount to 25/50/25.1
Oklahoma drivers may also buy more insurance, such as collision and comprehensive coverages, for added financial protection. Regardless of what coverage you need, you should always compare car insurance quotes from multiple insurers before buying a policy.
Oklahoma car insurance requirements
You must have proof of insurance when registering your motor vehicle in Oklahoma, and you may face penalties if you drive without proper coverage.2 Oklahoma law requires drivers to maintain the following minimum limits of liability insurance.
Bodily injury liability
Driving a car comes with risk. Bodily injury liability insurance protects you if you cause a car accident and injure another driver. It pays for costs related to injury or death, but only for the other party.
Oklahoma car insurance mandates that drivers carry a minimum of $25,000 in bodily injury for one person and $50,000 per accident. While this will keep you in good standing with the law, it may be insufficient if you’re in a serious accident. Consider carrying higher limits to better protect your finances.
Property damage liability
The other half of liability insurance coverage is property damage liability, which covers any damages you may cause to another’s property if you’re at fault.
If you damage another car in an accident, this coverage pays for the repair costs. While this type of insurance helps safeguard your financial liability, it doesn’t help cover any costs for your vehicle damage.
Like bodily injury coverage, Oklahoma’s minimum required limits are generally not enough — consider securing higher limits.3
Oklahoma Automobile Insurance Plan
Do you need more than the state-minimum coverage in Oklahoma?
It can be beneficial to get higher coverage limits than the minimum. Car accidents often result in very expensive vehicle damages, and medical bills can pile up alarmingly fast. Higher limits mean you’ll pay more each month, but you could save thousands of dollars in the event of an accident.
Drivers don’t have to purchase more than the state-minimum coverage in Oklahoma. But some high-risk drivers may need more, and if you have a loan on your car, your lender will likely require you to carry full-coverage car insurance.
Full-coverage car insurance offers more advantages and protects you in various additional scenarios. These policies include comprehensive coverage and collision coverage along with the standard liability coverages. These protect against collisions and damage from weather and other unpredictable sources.
Good to Know
In Oklahoma, full-coverage car insurance costs roughly 2.3 times as much as liability coverage. The expense could be worth it if there’s a history of incidents on your driving record or if you have a new vehicle with financing. If your vehicle isn’t worth more than $1,000, buying full coverage may not make sense, according to the Oklahoma Department of Insurance.
Penalties for driving without proof of insurance in Oklahoma
If you drive in Oklahoma without proof of insurance, you could face a number of consequences, including:
A fine: As part of the penalty for driving without insurance, you could pay a fine of up to $250.
Suspension: You may have your driver’s license and registration suspended.
Jail: You could end up with jail time of up to 30 days for driving without insurance in Oklahoma.
Cheapest liability-only car insurance in Oklahoma
The average cost of liability-only car insurance in Oklahoma is $86, according to Insurify data. If you’re looking for car insurance in Oklahoma, here are average liability insurance quotes from multiple insurance companies.
Cheapest full-coverage car insurance in Oklahoma
Full-coverage car insurance includes additional coverage types, mainly collision and comprehensive. Since it covers more than liability coverage, it’s typically more expensive.
Below, you can see average monthly full-coverage quotes in Oklahoma from different insurance companies.
Optional car insurance coverages to consider
While Oklahoma drivers must obtain the necessary liability coverage, they have many additional coverage options to consider. Here are some optional car insurance coverages you can add to your policy to strengthen your protection:
Oklahoma car insurance requirements FAQs
If you’re shopping for car insurance in Oklahoma, this additional information may help as you research your coverage options.
Does Oklahoma require car insurance?
Yes. Oklahoma law requires drivers to carry a minimum level of liability coverage to drive legally. These minimums are $25,000 in bodily injury liability for one person, $50,000 in bodily injury per accident, and $25,000 in property damage liability.
Do you need car insurance to register a car in Oklahoma?
Yes. Oklahoma drivers must have car insurance to register a car in the state. Whether you’re buying a new vehicle or an old one, you need proof of insurance for the registration process.
Do you need insurance to drive a car in Oklahoma?
Yes. You need insurance to drive a car in Oklahoma. You must obtain the state’s minimum liability coverage limits before getting on the road.
Does insurance follow the car or the driver in Oklahoma?
Insurance follows the car, not the driver, in Oklahoma. In other words, your car insurance will kick in even if someone else drives your car and gets into an accident, as long as you give that person prior approval.
What happens if someone who isn’t on your insurance crashes your car in Oklahoma?
Your insurance company should still cover the damages resulting from the accident if you’ve given someone permission to drive your vehicle. If someone stole your vehicle, that person and their insurance company would likely bear responsibility.
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